Health Care is a Feminist Financial Issue

Well, folks, today is a much better day than I anticipated, as the ACA remains the law of the land, Medicaid remains intact, and I won’t anticipate my premiums skyrocketing more than usual next year. Let’s talk about health care anyway, and then maybe we’ll get a politics-light weekend.

Health care is a feminist financial issue.

The “Health Care Freedom Act” drafted at lunch yesterday but GOP senators and voted on around midnight last night permitted states in most cases to strip away the essential benefits the ACA determined. Many of those benefits apply to women. Free annual gynecology visits and maternity care (I’m not sure of the cost there–still copays? no copays?) and just two examples. The big one, hard fought, was accessible, free birth control. You still needed an insurance plan for these benefits (another issue–access and affordability are still not what they might be, or are in other countries) but still: that the ACA mandated coverage of basic women’s health needs was a tremendous jump forward. One of the reasons Mr Tenacious and I have the plan we have (work-sponsored) was because it became super affordable once, for example, my annual gyn visit was without copay, since it’s the only regular appointment I make.

(pssst–we’ve talked about some of these things before, as the House drafted the AHCA)

When women’s health care is affordable and guaranteed, women are able to do much more in their lives. When we control our own fertility, we can make sound choices about our futures. We can plan our careers; run for office; and create families with children when and if we want them, not just when it happens to happen. While there has been a lot of rhetoric about why the ACA is bad and needs repeal, this point hasn’t been explored so much: that repeal is directly oppressive to women and their advancement. Perhaps that isn’t so much an accident, though I feel like a conspiracy theorist suggesting so.

Historical precedent

During the second world war, the government sprung for day care all over the nation to facilitate women’s work in factories. When the war was over, rather than have a debate over the merits of better sex parity in the workplace and ignoring that many war-working women wanted to stay working, the government shut those free daycare centers down, lickety-split. The consequence was that women stopped working. The lack of women’s health provision (among so many others) in the various repeal-and-replace bills feels similar. While the ACA promises more social, political and work advancement for women when they don’t have to worry about unintended pregnancies and undetected cancers, the r-and-r bills shut those paths down.

A small coincidence that women who left the GOP’s position on health care faced threats from their party (those are three separate examples: two involving violence).

And so.

While you may be healthy and able-bodied now, that doesn’t guarantee you will be forever. In the same way singles like me pay for schools for kids I don’t need (I have cat–she rejects education), we pay into health care so as to cover those of us who need it. If we learned nothing from this week’s health care roller coaster, it’s that we all need more women in the senate and the house. We need good, accessible, affordable health care for them to do so. All we need is the political will for both.

 

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Finance Friday: All the Frustration

Hi all. I was going to write a standard Finance Friday post for today, either about Ibotta or a mid-year “how’s that budget?” check-in. But I am not feeling it. I’m not feeling like much. Current events have me beyond frustration.

I suspect to a large part I’m preaching to the choir here. If you’re interested in feminism, you probably care about people, and you probably care that the state not work in ways that deliberately hurt people. So you’re probably just as frustrated as I am with the senate bill (I don’t think we can call it a health care bill).

While we don’t have the CBO score yet, it’s pretty clear that the ramifications of the bill will be to limit people’s access to and ability to afford health care. As a nation, that’s pretty much saying that residents don’t have a right to be healthy, an idea most western democracies did away with decades ago. This bill will disproportionately harm those who are not wealthy. It will likely disproportionately harm women, since Maternity Care need not be included as mandatory provision of insurance policies. And god help you if you’re just a middle class male–one bout with cancer or other serious illness, as proposed “lifetime limit” caps mean that you’ll be SOL when the insurance you buy won’t pay for rudimentary stuff after you’re better, because they’ve already spent what they’re going to on you.

Imagine what that would mean for a child with cancer: a whole uninsured life.

Now this whole shebang is supposed to make health care cheaper, but it won’t. It won’t for most people, and it won’t for all of us when emergency rooms become the choice for care again–something we all pay for eventually.

This is a bill, in the guise of a libertarian passion for what government should and should not do, that will lead to harm for many, many Americans, and really only benefit the most wealthy among us. That it was negotiated in secret and a full version not released tells you that even those who are writing it know it will be hated. So then you have to ask: why do it? Is it just a racist response to the last administration? Do they think Americans are dumb enough to say, well, we wanted it repealed, and now we have even less than prior to the ACA, yay!

The ACA has its problems, absolutely. But this is not a solution. It’s nowhere close. It’s a bill written out of spite and designed to grease the palms of people and companies who donate huge sums to campaigns for guys like these, so that they might benefit (there are some nice charts circulating to that end). It’s the work of greedy, horrible people akin to 19th century assholes who saw anyone as less robustly wealthy as themselves as some kind of moral inferior who deserved penury.

I don’t even have the words for the despair this makes me feel. And I don’t know what kind of financial thinking any of us can even do with this. Can one, even with a 99% savings rate, ever be financially independent if they’re one disease away from uninsurability in a country that evidently sees illness as a moral failure?

America was once better. Only eight months ago, really. “MAGA” should become our slogan for the pre-45 era.
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Political Roundup

Tenacious Feminist: political roundup with comfort kittens

Morning, all. There’s an awful lot going down this week and it’s only Tuesday morning. I’m going to give you all a quick roundup of current political fires and their implications. Pardon the swears.

Georgia Election

Today’s the runoff election in Georgia between Jon Ossoff (D) and Karen Handel (R). Now we’re all for supporting other women, but we’re not about supporting women who would oppress other women. Handel is a nightmare for civil rights, who sees her Christianity as a reason to oppress gay people (see video here where she condescendingly avoids a question about Georgia protections for LGBTQ people, and here’s a Slate piece on her opposition to gay adoptions). Ossoff, on the other hand, has spoken about his support for LGBTQ issues. It’s a major stakes election with serious implications for the national arena. Godspeed, Jon Ossoff.

Gerrymandering
orange kitty
Sleepy orange cat knows gerrymandering is garbage.

The supreme court decided yesterday to take up a case regarding gerrymandering, the heinous practice of reorganizing voting districts to benefit one particular political party. Gerrymandering has been used to dilute, for example, the voting strength of certain areas. A neighborhood whose demographics and voting history might suggest leaning Dem can be split, its parts then added to larger areas that lean Republican, drowning the Dem voice. Gerrymandering, regardless of who it benefits, is just wrong and linked to oppression of women and minoritized voters. To quote the Washington Post, “The court accepted a case from Wisconsin, where a divided panel of three federal judges last year ruled that the state’s Republican leadership in 2011 pushed through a redistricting plan so partisan that it violated the Constitution’s First Amendment and equal rights protections.”  Here’s hoping.

Islamaphobia in Virginia

A young woman in Virginia, Nabra Hassanen, was kidnapped and murdered on her way to her mosque after getting some middle-of-the-night snacks with a group of friends. Virginia is currently not going to prosecute the case as a hate crime but as an incident of road rage. The murderer came upon Hassanen and a bunch of her friends in the street, got into an argument with them. As the kids dispersed, he caught Hassanen and beat her with a bat. Her body was found in a pond.

Let’s not kid ourselves: even if Hassanen’s murderer did not intend his “road rage” to be a hate crime, his victim was a Muslim woman. She wore a headscarf, so both her gender and relgious identities were visibly performed. The crime belies the US’s (and the west’s more generally) growing problem with Islamaphobia and its ongoing problems with violent misogyny. Few consider yet where the two intersect.

And in the UK

Similarly, a British man drove his car into a group of Muslims, killing one and injuring several, in the UK. The UK, for all of its many problems, is at least wise enough to consider this attack a form of terrorism, unlike the US where ‘terrorism’ is a term that only applies to people of color.

Domestic Violence
gray kitten
Angry gray kitten is fed up with this trash.

Last week’s shooting at a baseball practice in Virginia by a man who had volunteered for Bernie Sanders has led in totally expected directions. The right claims the left supports such action (they seem to forget they’ve labeled the left as gun-taking, so, uh) and leaves out altogether that this jackass had a record of…wait for it…violent misogyny! We know that domestic violence often portends still further violence, but the way the right has dropped that bit of information suggests that they don’t consider domestic violence a problem or a harbinger of anything.

But of course, these are the same people who encourage curtailing the Violence Against Women Act (45 has big plans to gut related budgets and his minion, Sessions, is no fan of it). I think you could make a pretty good case that America’s lack of f**ks given about women has dramatically increased at the federal level since January, not that it was ever spectacular to begin with. This country pretty much accepts violence against women as a given. Such violence can be both blatant, as in the case of husbands hitting wives, and subtle, as in the fallout from medicine-related decisions.

The Senate “Health Care” Act
kittens
These kittens likely get better maternity and neonatal care than most Americans and are sorely disappointed in us.

Which gets us to point 6, the nefarious plotting of the “health care” act by the Senate. In case you haven’t followed that story, there are 13 people planning a replacement act for the ACA behind closed doors in the Senate with the intention of ramming the bill through with only a few moments of debate or time for senators to read it. The plotters are all white. They’re all men. They’re all conservative.

Such actions, besides being in violation of basic precepts of American democratic functioning, yet again speak to the ways in which the system gives no f**ks about women and people of color, nevermind when these pieces intersect. This is a bill that’s going to be awful for most Americans. Its construction and framing suggest a particular “f**k you” for anyone outside white maleness. And white maleness is a political identity–it’s only normative because we have accepted it as so. When we fight against “normativity,” resistance follows from more than just the white men themselves.

Call It What It Is.

To that end, the WaPo had a pictorial essay last week that got on my nerves. “New poll of rural Americans shows deep cultural divide with urban residents” offered more fodder for the “it was economic anxiety” explanation of the last election while leaving largely unexplored the implications within the piece about race. More rural people see limited opportunities, it essentially says at one point; more rural people blame immigrants, it says at another. Most rural people are white, it goes on. Further, it claims, “the largest fissures between Americans living in large cities and those in less-dense areas are rooted in misgivings about the country’s changing demographics and resentment about perceived biases in federal assistance.”

Connect the dots, people. What the WaPo outlines is indeed economic anxiety, but we can’t untether that anxiety from racial animosity. People often deeply internalize such sentiment regardless of no validation via experience or evidence. This sh*t is getting so old. (full disclaimer: I grew up in a rural area, albeit in a wealthy, northern state.)

And to wrap it up…
disbelieving cat
This cat just can’t even believe it.

In case you missed it, Bill Cosby, despite admitting he drugged women, and the cop who murdered Philando Castile, as video so clearly shows, are both going free. The layers here of fame/race/misogyny are deep and troubling.

And that’s your political roundup, folks. While a lot of progressive change is happening, the regression is fierce. We’re going to have to resist over the very long haul and do what we can to be educators for change. I find this a challenge, myself, but it’s the responsibility of all of us who believe in equity, freedom from violence, and civil rights to keep going.

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The House Hates Women and their Pesky Bodies: the AHCA

Warning: Many, many swears

Yesterday was a long day for a whole host of reasons, least of which was the passing in the house of that bullshit bill they claim is about “healthcare.” I know it’ll likely die a swift death in the senate, but that it was passed at all—many people evidently not bothering to read it, but the general facts of which were easy enough to find—reaffirms the bullshit contained in the executive order we talked about on Tuesday. Women are second-class citizens in this country. (as are disabled people, seniors who are not wealthy, people with asthma, you know, most of us).

No War on Women?

Many people presented the bill yesterday as preserving the preexisting conditions rules that the ACA created. What they left out—and what became popular knowledge in the last couple of days—was that the MacArthur amendment to the original AHCA bill stated preexisting conditions can now be charged ENORMOUS surcharges and states can refuse to cover them. There’s also a sneaky provision in there that suggests insurance companies can get rid of out of pocket maximums. This combination guarantees that the rate of bankruptcies for healthcare reasons will skyrocket, once again, if this bill becomes law.

What are particularly galling are the conditions on the list of those considered preexisting.

For example, pregnancy. C-sections.

Let’s break this down. The people who passed this bill are the same people who go on about the horribleness of abortion rights, so at this point they are all about fetus preservation but not actual birth circumstances. They want to gut welfare, generally speaking, but want to cause women who have children to be gutted by their insurance plans. How can we raise kids—which costs serious money—if birthing them is a preexisting condition that costs a serious fortune on an annual insurance basis? The surcharge for pregnancy is $17000! We cannot afford to have kids, we cannot afford to not have kids. There is so much wrong with this situation, including that such conditions carry on ad infinitum–get insurance 30 years after having kid, that pregnancy is still a preexisting condition.

Next, a c-section—the modus operandi of many maternity wards—itself comes with a surcharge. Preferred by—ready?—insurance companies because it is allegedly less risky (which is generally nonsense, since it comes with all the complications of surgery), it is now also WORTH MORE TO THE INSURANCE COMPANIES when women have them. These bastards. These sick fuckers.

Let’s not forget that pregnancy is hardly a “condition” like cancer—it’s the basic ability we have to continue the HUMAN FUCKING RACE. Most women have children. This bill tells women to suck it, for being women.

But Wait, There’s More

But we’re just getting started, aren’t we? Because also on this list of pre-existing conditions are RAPE and DOMESTIC VIOLENCE.

This makes me so angry I can hardly type. Being abused is not a FUCKING CONDITION. It is not a lifestyle choice, like, say, smoking, that leaves you with terrible health outcomes. Making rape and domestic abuse preexisting conditions continues to victimize the victims of that violence, and will—quelle surprise—disproportionately harm women. What the changes mean, in practice, is that women will report rape and domestic violence less often, because they cannot afford the premiums for doing so. And the abusers, then, walk free.

Given that our current president joked about his abuse of women, WE SHOULD NOT BE SURPRISED BY THIS PROVISION. Our president is a chronic sexual assaulter, and now women may be compelled—LITERALLY—to pay for his abuse, or say nothing of it and save their hard-earned cash.

Know what’s not on the list? Prostate cancer. Erectile dysfunction. Color me shocked.

But hey, these guys seem really well-informed, so I guess we shouldn’t criticize.

Here are some sources:

http://nymag.com/thecut/2017/05/under-new-healthcare-bill-rape-is-a-pre-existing-condition.html?mid=twitter_nymag

https://twitter.com/lnlinder/status/855620193615323137/photo/1

http://www.cbpp.org/research/health/amendment-to-house-aca-repeal-bill-guts-protections-for-people-with-pre-existing

 

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